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Compare personal accounts in Poland
Found 19 offers · 11 institutions · data as of 31 Oct 2026 · Sorted by: Bonus
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500 PLN of this is guaranteed with no extra conditions - the rest depends on the conditions below.
275 PLN of this is guaranteed with no extra conditions - the rest depends on the conditions below.
1,010 PLN of this is guaranteed with no extra conditions - the rest depends on the conditions below.
300 PLN of this is guaranteed with no extra conditions - the rest depends on the conditions below.
900 PLN of this is guaranteed with no extra conditions - the rest depends on the conditions below.
100 PLN of this is guaranteed with no extra conditions - the rest depends on the conditions below.
The whole amount depends on meeting the conditions below - none of it is guaranteed.
200 PLN of this is guaranteed with no extra conditions - the rest depends on the conditions below.
300 PLN of this is guaranteed with no extra conditions - the rest depends on the conditions below.
Editors' pick - Top 3
Erste Bank Polska - Konto Erste Platinum
mBank - eKonto do usług
BNP Paribas Bank Polska - Konto Otwarte na Ciebie
Guide: Personal accounts
How a personal bank account works in Poland: fees, account-opening bonuses, BFG deposit guarantees and your rights as a bank customer.
A sign-up bonus can be taxed
Bonuses for opening an account are tax-free if their one-time value does not exceed PLN 2,000 (Art. 21(1)(68) of the PIT Act). Above that amount the bank withholds a flat 10% income tax (Art. 30(1)(2) of the PIT Act), but in practice many banks cover this tax themselves so the customer receives the full advertised amount.
'Zero fees' usually comes with conditions
No monthly account fee typically requires meeting conditions such as a minimum monthly inflow to the account or a set number of card or BLIK transactions. Check these conditions in the bank's fee schedule before choosing an account, not just in the advertisement.
Your money is covered by the BFG guarantee
Deposits held at banks and credit unions (SKOKs) operating in Poland are guaranteed by the Bank Guarantee Fund (BFG) up to the zloty equivalent of EUR 100,000 per depositor per bank. For specific funds (e.g. from selling a home, an inheritance, or severance pay) that reached the account no later than 3 months before the bank's insolvency was declared, the BFG, on the depositor's request, pays additional protection up to a combined equivalent of EUR 200,000.
Switching banks is made easier by law
Under the Payment Services Act, the account-switching service requires the new bank, once it receives full information about standing orders and direct debits from the old bank, to set them up within at least 6 business days. This means the customer doesn't have to re-enter every recurring payment manually.
No account history or income? There's the basic payment account
Anyone who doesn't already hold another zloty account in Poland can apply for a Basic Payment Account (PRP, Art. 59ia-59ih of the Payment Services Act). The bank must provide it free of charge for up to 5 domestic transactions a month, and must decide on the application within 10 business days.
A teen's account needs a parent's consent
From age 13, a minor has limited legal capacity, but opening a bank account still requires the consent of a parent or legal guardian, who usually must be present when the contract is signed. For younger children, the account is opened and fully controlled by the parent.